CediCredit — SME Business Loans
Ghana's entrepreneurs deserve fair, fast access to credit. CediCredit — a product of AMJ Financial Ghana — scores your Mobile Money history to give you a real loan offer in 48 hours. No land title. No business registration required.
Our loan products
Working Capital Loan
From 18%Keep your business moving. Fund inventory, salaries, and day-to-day operations.
Apply for this loan →Business Expansion Loan
From 20%Ready to grow? Finance new equipment, a second location, or a major contract.
Apply for this loan →Agribusiness Loan
From 18%Tailored for farmers and agro-processors. GIRSAL guarantee programme eligible.
Apply for this loan →Equipment Finance
From 19%Finance machinery, vehicles, or technology. The asset serves as partial collateral.
Apply for this loan →How CediCredit works
Register in minutes
Create your CediCredit account in 3 minutes. Share your business details and link your Mobile Money account.
Get credit scored
Our engine analyses your last 6 months of MoMo activity. No land title. No business registration. Decision in 24 hours.
Receive your offer
Review your personalised loan amount, interest rate, and repayment schedule before you commit to anything.
Funds on MoMo
Accept your offer. Funds arrive directly on MTN MoMo, Vodafone Cash, or AirtelTigo Money within 24 hours.
Understanding CediCredit tiers
Your credit tier determines your loan limit and interest rate. Here is how tiers are assigned — and how to improve yours.
Established business with consistent MoMo activity and strong, predictable revenue.
Good business history and reliable cash flow. Access to most CediCredit loan products.
Fair profile — newer business or variable revenue. Eligible for core products at slightly higher rates.
Early-stage or limited MoMo history. Smaller initial limits. Tier improves with every on-time repayment.
Your tier improves automatically with every on-time repayment. Most borrowers move up one tier within their first loan cycle.
Estimate your loan repayments
Frequently asked questions
No. CediCredit scores your Mobile Money transaction history as the primary credit signal. A business registration improves your score but is not required.